OneFamily is the third largest mutual by membership in the UK, focused on investment, protection and lending solutions to meet the needs of modern families. Nici is an executive director on the OneFamily board. Prior to her appointment, she held a number of senior roles in banking, investments and retirement propositions. Most recently she was Managing Director of the Personal Finance Division of Saga, covering equity release, investments, savings and other products tailored for the over 50s market. Prior to this she was exco member of the challenger bank, Williams & Glyn; and Products & Marketing Director of Business and Commercial banking in RBS.

Previously, she held the positions of Director of Mortgages and Director of Banking for all UK brands of Santander Bank and has also worked in senior roles at Lloyds and McKinsey. She holds an MBA from Harvard Business School, and has competed for Great Britain in age group triathlon.

Andrew is a partner in Pinsent Masons? Financial Regulatory team. His practice focuses on retail banking, consumer finance and payments. His experience includes: regulatory matters applying to consumer credit; regulated mortgages; peer-to-peer lending platforms; payment services and the issue of e-money; and financial crime prevention.
 
Andrew acts for a range of mortgage lenders including high street, challenger and private banks together with providers of equity release products and specialist lenders providing sharia compliant products. 
 

Donna is the Equity Release Council's Chief Operating Officer, and has been in this role since 2013. Her responsibilities include overseeing the strategic delivery of the Equity Release Council, while managing the development of its membership and policy propositions, and establishing key relationships across the industry. Having started her financial services career with LV=, she was also with the Life Insurance Association before joining the Chartered Insurance Institute as Head of Marketing Operations and Strategic Projects where she was responsible for a number of the professional body's major Business Improvement Programmes including the launch of The Personal Finance Society and The Society of Mortgage Professionals.

Jackie is a NED and senior advisor with over 20 years of experience in the mortgage industry gained from working at UK Finance, mortgage lending firms and the Council of Mortgage Lenders. She is a part time senior adviser to UK Finance and was Director of Mortgages at UK Finance between 2018 and 2020. Jackie is also a non-executive director for the New Homes Quality Board and OnLadder, Chair of the Bank of England’s Residential Property Forum and a trustee for the FairLife Charity.  In June 2010, Jackie was awarded an OBE for services to the financial services industry in the Queen’s birthday honours list.

Callum Bilbe joined the Data and Research team at UK Finance in February 2018, and specialises in mortgage data. He has particular expertise on buy-to-let and later life lending analytics. He joined UK Finance after working with Greenwich University within their plagiarism department, where he led a project analysing performance within the different international campuses. 

Sally has worked in Financial Services for 25 years, spending the last 15 as part of second line risk functions.  She enjoys demonstrating to the business how risk can be used as a strategic enabler.  Working in a small but very fast growing Lifetime Mortgage Lending business has allowed Sally to be closely engaged with strategic developments and really understand the needs and challenges of this cohort of customers.

Sally recently completed a Postgraduate Diploma in Risk, Governance and Compliance with the International Compliance Association.
 

John has been the Head of Paradigm Mortgage Services since it launched in September 2007. Since then he has have built up a business that is one of the UK's leading Mortgage Distributor businesses, with membership of over 1,300 directly authorised firms, employing c.3500 regulated advisers. Members can access a whole of market lending panel, as well as a full range of complimentary mortgage and protection services. Paradigm Mortgage Services is an operating division of Tatton Asset Management plc., which supports intermediaries across all aspects of business - investments, protection, pensions, wealth & IHT planning, & mortgages.

John is a keen advocate of Later Life Lending & runs workshops throughout the year promoting this sector to mortgage brokers & IFA's to encourage them to get involved to bring solutions to their clients.

Tony has 23 years? experience in financial services. He started his career as a cashier in 1996 and he has since worked as both an Adviser (Mortgage, Investments and Equity Release) and as a Senior Manager/Director across multiple product lines for some of the UK's most distinguished retail financial services brands. 

For the past 8 years Tony has been working across the industry on the topic of Retirement Lending/Income and the consumers associated advice needs.

David Dalton-Brown is Chief Executive Officer of The Investing and Saving Alliance (TISA), whose core aim is to improve the financial wellbeing of UK consumers by bringing the financial services industry together to deliver solutions and champion innovation for the benefit of people, the industry and the nation. TISA's growing membership of over 200 organisations spans all areas of financial services.
 
David is also an NED at Aegon UK, Cofunds, Scottish Equitable and Chairman of Aegon investments - joining the Board of Aegon UK to support the business as it transitioned from a traditional L&P business to a modern, digital platform business. In addition to his NED positions at Aegon, David is also an NED on a number of Lexis Nexis businesses.
 
During his career, David has held a number of key positions including Head of Fidelity FundsNetwork platform and Retail Business; Head of Barclays Retail Investment Businesses; External Board Director on Barclays Investment Boards; Partner at KPMG; Head of the Exchange and senior Business Development, IT and e-commerce executive roles at Norwich Union and Prudential.

In her work at the Centre for Ageing Better, an independent charitable foundation working to help everybody enjoy a good later life, Rachael leads on their programme on ?Safe and Accessible Homes?. She develops and manages a strategic and coherent programme of activity on housing, and works with colleagues across all our functions to maximise our contribution to change, including: evidence, innovation, learning, influencing and communications.  

John Gathergood is Professor of Economics at the University of Nottingham. His research specialises in behavioural personal finance using data from lenders, financial aggregators, investment platforms and credit reference agencies. He has acted as academic advisor to the Bank of England, Financial Conduct Authority and Her Majesty's Treasury, as well as firms, industry bodies and the third sector. Since 2014, he has advised the Financial Conduct Authority on the design of price caps for the payday lending and rent-to-own credit markets and is advising HM Treasury on third generation financial innovation.

Sue is the Group Managing Director for Retail Finance at Aldermore Bank. She has over 25 years of banking experience joining Aldermore from Barclays where she was Managing Director of Premier and Community Segments and Savings Products and prior to that she led Investments and Business Banking. Before Barclays, Sue worked at Santander UK, where she held a number of senior roles across retail and commercial banking, including Managing Director - Business Banking and MD of Products and Analytics. Sue also held senior positions at RBS and Halifax Bank of Scotland during her career.

Stephen Lowe, Group Communications Director, Just Group plc

Steve is a member of Just Group's leadership team, the new company created from the merger between Just Retirement and Partnership Assurance in April 2016. He joined Just Retirement in January 2011 and is now responsible for the Group's corporate affairs, brands, marketing, public policy, media relations, customer insight and corporate communications. Steve is a regular commentator in the media on retirement focused themes and you?ll often see him presenting on stage at various industry events.
He chairs the ABI's retirement working group, and is a member of the ABI's committees for Long Term Savings and is a Governor of the Pension Policy Institute. He is a former Board member of the Pension Income Choice Association and member of the Department of Health's steering group for the development of long term care solutions. He led Just Retirement's RDR transformation programme and was part of the core team that successfully completed Just Retirement's IPO and merger with Partnership Assurance.
Prior to joining Just, Steve was the start-up Marketing & Product Director of Living Time and has worked as Marketing Director for Prudential's UK, Europe and Middle East business and held similar roles at AMP, the AA, NatWest, and Lloyds TSB. Steve is a Chartered Marketer and holds an MBA from Henley.

Zoe Medlock is an expert in consumer vulnerability strategy and implementation. With over ten years’ experience in the sector, Zoe now works with the Money Advice Trust team to help firms improve their approach to customer vulnerability. This includes assessing firms against the FCA's evolving expectations and developing and delivering colleague training.

Zoe specialises in mental health and, as well as working with the Money Advice Trust, she also supports the Money and Mental Health Policy Institute to assess firms against their Mental Health Accessible Standard. In 2020 Zoe developed the Trust’s Mental Health training.

Colin's career spanning over thirty years in Financial Services has seen him focus on strategy and marketing roles where he now manages the Santander UK interest only mortgage book. 

During the past seven years he has developed interest only policies, partnerships and customer contact strategies.  He is a keen supporter of the development of later life lending solutions. 

Colin is currently the chair of the UK Finance Interest Only Working Group.

Paula joined Key Retirement Group in October 2017 bringing 26 years' experience in the financial services sector. Paula is responsible for growing the market by helping large corporate partners such as banks and building societies enter later life lending. Within the Group, she ensures partners can access compelling propositions that fit with their business needs as well as managing and developing existing large client relationships with life companies and banks. Prior to joining Key Group, Paula worked for Legal & General, holding a number of senior management roles across both the investment arm and life assurance society. She also holds an advanced diploma in financial planning as well as CeMAP.

Since retiring from full-time work Sir Hector Sants? focus has been on working to help people manage their money as well as circumstances allow and promoting a fairer financial system which works for everyone. This reflects his belief that being able to manage money well is an essential skill for living a contented life.

He was appointed to be the first Chair of the Money and Pensions Service in October 2018. The Money and Pensions Service brings together three previous government entities involved in financial and pension guidance and setting the UK's financial capability strategy. The focus of the organisation is on ensuring everyone has access to the information and help they need to make the best possible financial decisions.  In particular, that, those in financial difficulty or those in vulnerable circumstances have access to specialist help.  Its vision statement is ?a society where everyone makes the most of their money and pensions?.  This requires us all to feel empowered and confident in relation to money matters.

Prior to his current role he was, from 2015, Chair of Stepchange, the UK's largest debt advice charity.

Carolyn has been in financial services for over 20 years. An advocate for the mutual sector and bespoke underwriting practices, Carolyn says that she loves working for a medium sized building society as staff have more opportunity to influence and develop the business, focusing on positive stakeholder outcomes rather than shareholder returns.

Carolyn graduated in December from Loughborough University School of Business and Economics with an MSc in Management and Leadership, a mutuality-centric programme developed by the BSA, which she says has been a game-changer both personally and professionally.